Does the card expire?
Yes, per the expiry shown on the card detail page. Expired cards can't be charged; the remaining limit is returned to your balance through the card close flow.
When people ask whether a card has an expiry date, what they usually want to confirm are two other things: whether any money left unspent on the card is voided on the day it expires, and whether the subscription tied to that card will suddenly stop being charged. Once these two points are clear, the expiry date itself is no longer a concern.
Just like a physical bank card, every virtual card number is tied to an expiry date. This is a standard mechanism from the issuer, not an extra restriction added by the platform. The exact validity period is whatever the card detail page shows; it can differ between card ranges, the system does not renew it automatically, and you are advised to keep an eye on cards nearing expiry yourself. Expiry has a narrow meaning: it only means this card number can no longer be charged. It does not mean the funds on the card evaporate. Any unspent limit is settled through the card close flow and returned to your balance, so it will not disappear just because the card has expired.
The ways a card can "end" — the unspent limit is returned in every case
| How the card ends | Can it still be charged? | Where the remaining limit goes |
|---|---|---|
| Expiry date reached | No — the card number stops accepting charges | Settled through the card close flow and returned to your balance |
| Limit used up (still within the validity period) | Can't be charged — available limit is 0 | Nothing left to return; top up the card to raise its total limit and keep using it |
| Closed manually | Disabled immediately | Returned to your balance after settlement |
| Freeze / unfreeze | All charges are declined while frozen; unfreeze to restore | The limit stays on the card, unchanged |
When a card is nearing expiry, follow these steps and your subscription won't break
- Check the expiry date on the card detail page, where it is shown together with the card number, CVV, and billing address, each with its own copy button. Watch for approaching expiry yourself, as the system does not renew automatically.
- If the card has an active subscription tied to it: once it expires, charges to this card will fail. To keep the subscription uninterrupted, first open a new card (an account can have at most 5 active cards at once), then go to the merchant and switch the subscription's payment method to the new card.
- If the old card still has an unspent limit, close it so the balance is settled and returned to your account balance.
The returned money can be reused right away; only withdrawals wait out the freeze period
This returned money can be used immediately for opening cards and topping up cards, but one boundary needs to be spelled out clearly: the upstream issuer applies a 60-90 day fund freeze to closed cards, and the portion returned to your platform balance is advanced by the platform in the meantime, so your day-to-day card opening and card top-ups are unaffected. The only situation that requires waiting out the freeze period is when you plan to take this money out as an account withdrawal, exiting the platform the way it came in.